Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 578.40 | CHF 506.40up to CHF 546.90 | CHF 488.40up to CHF 515.40 |
| Appenzell Inner Rhodes | CHF 424.00 | CHF 379.60up to CHF 403.30 | CHF 364.90up to CHF 382.60 |
| Appenzell Outer Rhodes | CHF 522.90 | CHF 463.70up to CHF 495.30 | CHF 444.00up to CHF 467.70 |
| Basel-City | CHF 726.80 | CHF 637.00up to CHF 684.90 | CHF 607.10up to CHF 643.00 |
| Basel-Country2 premium regions | CHF 632.10up to CHF 679.60 | CHF 551.50up to CHF 641.00 | CHF 531.30up to CHF 602.40 |
| Bern3 premium regions | CHF 578.00up to CHF 690.60 | CHF 497.10up to CHF 600.60 | CHF 488.10up to CHF 611.90 |
| Fribourg2 premium regions | CHF 556.70up to CHF 613.70 | CHF 492.40up to CHF 579.70 | CHF 471.00up to CHF 545.70 |
| Geneva | CHF 751.20 | CHF 626.60up to CHF 707.60 | CHF 626.60up to CHF 664.00 |
| Glarus | CHF 527.20 | CHF 467.40up to CHF 499.30 | CHF 447.40up to CHF 471.40 |
| Graubünden3 premium regions | CHF 538.10up to CHF 543.90 | CHF 447.90up to CHF 514.80 | CHF 456.10up to CHF 485.70 |
| Jura | CHF 697.00 | CHF 611.70up to CHF 657.20 | CHF 583.30up to CHF 617.40 |
| Lucerne3 premium regions | CHF 505.60up to CHF 597.20 | CHF 441.50up to CHF 550.30 | CHF 430.10up to CHF 531.60 |
| Neuchâtel | CHF 773.50 | CHF 676.70up to CHF 728.30 | CHF 644.50up to CHF 683.20 |
| Nidwalden | CHF 494.50 | CHF 439.60up to CHF 468.90 | CHF 421.30up to CHF 443.20 |
| Obwalden | CHF 542.50 | CHF 480.40up to CHF 513.50 | CHF 459.70up to CHF 484.50 |
| Schaffhausen2 premium regions | CHF 554.20up to CHF 597.40 | CHF 490.30up to CHF 564.60 | CHF 469.00up to CHF 531.70 |
| Schwyz | CHF 553.70 | CHF 489.90up to CHF 523.90 | CHF 468.60up to CHF 494.10 |
| Solothurn | CHF 624.90 | CHF 525.60up to CHF 575.20 | CHF 525.60up to CHF 555.40 |
| St. Gallen3 premium regions | CHF 507.70up to CHF 577.10 | CHF 435.60up to CHF 532.20 | CHF 431.80up to CHF 514.30 |
| Thurgau | CHF 552.20 | CHF 488.60up to CHF 522.50 | CHF 467.40up to CHF 492.90 |
| Ticino2 premium regions | CHF 675.30up to CHF 734.60 | CHF 593.30up to CHF 655.80 | CHF 565.90up to CHF 649.70 |
| Uri | CHF 491.50 | CHF 437.00up to CHF 466.10 | CHF 418.90up to CHF 440.70 |
| Valais2 premium regions | CHF 522.70up to CHF 605.00 | CHF 447.80up to CHF 571.60 | CHF 443.80up to CHF 538.30 |
| Vaud2 premium regions | CHF 671.10up to CHF 745.50 | CHF 568.00up to CHF 702.30 | CHF 562.50up to CHF 659.10 |
| Zug | CHF 401.00 | CHF 360.10up to CHF 381.90 | CHF 346.50up to CHF 362.80 |
| Zurich3 premium regions | CHF 563.90up to CHF 647.70 | CHF 476.80up to CHF 564.60 | CHF 476.80up to CHF 575.00 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2026, opendata.swiss; localities © swisstopo; as of 25.09.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the KPT tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the KPT standard model in the same region.
Aargau
KPTwin.smart
Premium / month
488.40
CHF
Total / year
CHF 6,181
Saving
−1,080
CHF / year
Appenzell Inner Rhodes
KPTwin.smart
Premium / month
364.90
CHF
Total / year
CHF 4,699
Saving
−709
CHF / year
Appenzell Outer Rhodes
KPTwin.smart
Premium / month
444.00
CHF
Total / year
CHF 5,648
Saving
−947
CHF / year
Basel-City
KPTwin.smart
Premium / month
607.10
CHF
Total / year
CHF 7,605
Saving
−1,436
CHF / year
Basel-Country
KPTwin.smart · region 2
Premium / month
531.30
CHF
Total / year
CHF 6,696
Saving
−1,210
CHF / year
Bern
KPTwin.smart · region 3
Premium / month
488.10
CHF
Total / year
CHF 6,177
Saving
−1,079
CHF / year
Fribourg
KPTwin.smart · region 2
Premium / month
471.00
CHF
Total / year
CHF 5,972
Saving
−1,028
CHF / year
Geneva
KPTwin.plus
Premium / month
626.60
CHF
Total / year
CHF 7,839
Saving
−1,495
CHF / year
Glarus
KPTwin.smart
Premium / month
447.40
CHF
Total / year
CHF 5,689
Saving
−958
CHF / year
Graubünden
KPTwin.doc · region 2
Premium / month
447.90
CHF
Total / year
CHF 5,695
Saving
−1,082
CHF / year
Jura
KPTwin.smart
Premium / month
583.30
CHF
Total / year
CHF 7,320
Saving
−1,364
CHF / year
Lucerne
KPTwin.smart · region 3
Premium / month
430.10
CHF
Total / year
CHF 5,481
Saving
−906
CHF / year
Neuchâtel
KPTwin.smart
Premium / month
644.50
CHF
Total / year
CHF 8,054
Saving
−1,548
CHF / year
Nidwalden
KPTwin.smart
Premium / month
421.30
CHF
Total / year
CHF 5,376
Saving
−878
CHF / year
Obwalden
KPTwin.smart
Premium / month
459.70
CHF
Total / year
CHF 5,836
Saving
−994
CHF / year
Schaffhausen
KPTwin.smart · region 2
Premium / month
469.00
CHF
Total / year
CHF 5,948
Saving
−1,022
CHF / year
Schwyz
KPTwin.smart
Premium / month
468.60
CHF
Total / year
CHF 5,943
Saving
−1,021
CHF / year
Solothurn
KPTwin.plus
Premium / month
525.60
CHF
Total / year
CHF 6,627
Saving
−1,192
CHF / year
St. Gallen
KPTwin.smart · region 3
Premium / month
431.80
CHF
Total / year
CHF 5,502
Saving
−911
CHF / year
Thurgau
KPTwin.smart
Premium / month
467.40
CHF
Total / year
CHF 5,929
Saving
−1,018
CHF / year
Ticino
KPTwin.smart · region 2
Premium / month
565.90
CHF
Total / year
CHF 7,111
Saving
−1,313
CHF / year
Uri
KPTwin.smart
Premium / month
418.90
CHF
Total / year
CHF 5,347
Saving
−871
CHF / year
Valais
KPTwin.smart · region 2
Premium / month
443.80
CHF
Total / year
CHF 5,646
Saving
−947
CHF / year
Vaud
KPTwin.smart · region 2
Premium / month
562.50
CHF
Total / year
CHF 7,070
Saving
−1,303
CHF / year
Zug
KPTwin.smart
Premium / month
346.50
CHF
Total / year
CHF 4,478
Saving
−654
CHF / year
Zurich
KPTwin.plus · region 3
Premium / month
476.80
CHF
Total / year
CHF 6,042
Saving
−1,045
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 561.60 | CHF 578.40 | +3.0% | +4.7% |
| Appenzell Inner Rhodes | CHF 409.70 | CHF 424.00 | +3.5% | +3.3% |
| Appenzell Outer Rhodes | CHF 484.20 | CHF 522.90 | +8.0% | +4.2% |
| Basel-City | CHF 698.80 | CHF 726.80 | +4.0% | +1.7% |
| Basel-Country | CHF 632.20 | CHF 655.85 | +3.7% | +3.7% |
| Bern | CHF 610.77 | CHF 628.87 | +3.0% | +3.2% |
| Fribourg | CHF 565.40 | CHF 585.20 | +3.5% | +2.6% |
| Geneva | CHF 732.90 | CHF 751.20 | +2.5% | +1.0% |
| Glarus | CHF 506.90 | CHF 527.20 | +4.0% | +4.6% |
| Graubünden | CHF 518.30 | CHF 541.63 | +4.5% | +4.2% |
| Jura | CHF 667.00 | CHF 697.00 | +4.5% | +2.7% |
| Lucerne | CHF 519.70 | CHF 543.10 | +4.5% | +3.1% |
| Neuchâtel | CHF 729.70 | CHF 773.50 | +6.0% | +4.0% |
| Nidwalden | CHF 484.80 | CHF 494.50 | +2.0% | +2.4% |
| Obwalden | CHF 516.70 | CHF 542.50 | +5.0% | +4.3% |
| Schaffhausen | CHF 553.65 | CHF 575.80 | +4.0% | +2.4% |
| Schwyz | CHF 542.80 | CHF 553.70 | +2.0% | +4.0% |
| Solothurn | CHF 598.00 | CHF 624.90 | +4.5% | +4.4% |
| St. Gallen | CHF 529.87 | CHF 537.80 | +1.5% | +3.1% |
| Thurgau | CHF 528.40 | CHF 552.20 | +4.5% | +2.1% |
| Ticino | CHF 665.05 | CHF 704.95 | +6.0% | +5.7% |
| Uri | CHF 486.60 | CHF 491.50 | +1.0% | +4.6% |
| Valais | CHF 540.95 | CHF 563.85 | +4.2% | +4.2% |
| Vaud | CHF 679.50 | CHF 708.30 | +4.2% | +2.4% |
| Zug | CHF 477.40 | CHF 401.00 | −16.0% | −9.0% |
| Zurich | CHF 575.33 | CHF 594.53 | +3.3% | +3.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are KPT premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at KPT in 2026 ranges from CHF 401.00 (canton of Zug) to CHF 773.50 (canton of Neuchâtel). With a higher deductible or a model, the premium is lower.
Which models does KPT offer?
In 2026, KPT has premiums for 3 model types: 1 tariff of the Standard type, 3 tariffs of the GP/HMO type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is KPT more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 100.3 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2026 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- KPT: website (address), retrieved on 25.09.2026kpt.ch
- KPT: website (physician search), retrieved on 25.09.2026kpt.ch
- KPT: website (contact), retrieved on 25.09.2026kpt.ch